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Situation 3: You have a spouse and minor children who are entitled to benefits now but won't be later.
Relatively few retirees are in a position in which they have minor children that they're caring for. But a combination of having children late and marrying a younger spouse can sometimes put 62-year-olds in a position in which they have children who are eligible for Social Security.
Children's benefits are available to those who are under age 18, or in high school and either 18 or 19. Disabled children are entitled to benefits even after they reach age 18 as long as they became disabled before age 22. The benefit amount is 50% of your retirement benefit, and your spouse caring for your child can also receive 50% as a spousal benefit until the child reaches age 16.
So as an example, say you have a 14-year-old who's entering ninth grade and you've just turned 62. Your spouse is 55. If you claim now, your child will get children's benefits for four years until graduating from high school, and your spouse will be able to claim spousal benefits for roughly two years until your child reaches age 16. Those are benefits that you won't get if you wait until full retirement age to claim. In some cases, those benefits can be enough to offset the benefits of waiting and push you to claim early.
Social Security experts are right to urge people to think about waiting before claiming Social Security. But that doesn't mean that taking benefits at 62 is always wrong. In cases like this, it's a smart move to take what you can get while you can still get it.
The latest death toll has 58 people dead and 489 others wounded.
Officers found more than 40 firearms belonging to suspect Stephen Paddock: 23 firearms at the Mandalay Bay hotel room and 19 at his home in Mesquite, Nevada, Clark County Assistant Sheriff Todd Fasulo told reporters.
Paddock is still believed to be the sole gunman, Fasulo said. The motive is unclear.
A gunman fired into the crowd at an outdoor concert Sunday night along the Las Vegas strip, killing at least 58 people and injuring more than 400 others.
It is considered the deadliest mass shooting in modern U.S. history. The June 2016 shooting at Orlando’s Pulse nightclub left 49 people dead.
Around 10 p.m. local time on Sunday, as country music artist Jason Aldean was performing at the Route 91 Harvest Festival, a gunman began to fire from the 32nd floor of the nearby Mandalay Bay Hotel onto the crowd of more than 22,000 people. Members of the audience began screaming and running to find cover. The gunfire lasted about 5 to 10 minutes, witnesses said.
Aldean posted on Instagram that he and his crew were OK. “It hurts my heart that this would happen to anyone who was just coming out to enjoy what should have been a fun night,” he said.
A SWAT team from the Las Vegas police department located the room from which the suspect had been shooting. The team found the suspect dead, according to a statement from police. Clark County Sheriff Joe Lombardo said he believed the suspect killed himself before police arrived.
Lombardo identified the gunman as Stephen Paddock, 64, of Mesquite — a town outside of Las Vegas. Lombardo said police located more than 40 firearms belonging to Paddock; 23 firearms inside the hotel room and 29 at his home in Mesquite. Police have yet to determine a motive.
The suspect’s brother and neighbor described him as a professional gambler and a real estate investor.
Police do not believe Paddock was associated with a militant group, Lombardo said. Paddock’s girlfriend, who was in the Philippines at the time of the shooting, returned to the United States where she was met by FBI agents for questioning.
Police in the Dallas suburb of Mesquite, Texas told the Associated Press that Paddock lived there from 2004 to 2012, though it may have been longer. Lt. Brian Parish told the AP that he had no indication officers interacted with Paddock during that time.
Officials said in addition to the firearms, they found explosives and several thousand rounds of ammunition in Paddock’s home.
The FBI is investigating the shooting and asking anyone with videos or photos from the scene to call 1-800-CALLFBI or 1-800-225-5324.
At least 58 people have died from the attack, and 489 people are injured, police said. The injuries were from bullets and efforts to flee the parking lot. On Tuesday, hospital officials said at least 45 people remain in critical condition.
Lombardo said several Las Vegas police officers were killed or injured in Sunday’s attack. The AP reported some off-duty officers from the Los Angeles Sheriff’s Department also sustained wounds.
Las Vegas police have set up a phone number for those looking for their loved ones: 1-866-535-5654. And police have set up a family reunification area at the Las Vegas Convention Center.
Hours after the shooting, people in Las Vegas lined up around the building to donate blood. Centers soon had enough donations, thanks to an “overwhelming turnout,” Fasulo said.
He also held a moment of silence at the White House with first lady Melania Trump.
The president plans to travel to Las Vegas on Wednesday to meet with families of the victims, law enforcement officials and first responders. He ordered flags to be lowered half-staff at the White House, public buildings and at military posts until Friday night in honor of the victims.
Las Vegas is a “resilient and benevolent town that will not be intimidated by acts of violence,” she said.
House Minority Leader Nancy Pelosi, D-Calif., sent Ryan a letter asking him to create a select committee on gun violence. She also asked Ryan to bring legislation that would close the federal background check loophole on gun purchases to the house floor for a vote.
Democratic Rep. Steve Cohen of Tennessee tweeted that Democrats were on the “NRA hit list.” “Why do we lead the world in non Isis mass killings? Too many crazies?too many #guns?laws to keep crazies from guns?” he also posted to Twitter.
The PBS NewsHour’s Joshua Barajas contributed to this report.
Volvo considered three North Carolina sites in Chatham County, Edgecombe County and Randolph County and sought state incentives for the project, according to N.C. Department of Commerce records released Friday.
The state’s attempts to land an auto plant have figured prominently in the debate over incentives.
Gov. Pat McCrory has sought to replenish the state’s main job incentives and recruiting fund, known as the Job Development Investment Grant, which has been out of money for months.
The issue was stalled by ongoing budget negotiations. Earlier this week, the Senate approved an economic development bill that would raise the cap on JDIG.
The Senate proposal would cap JDIG spending at $20 million per year, with an additional $5 million for the current year. The awards would be more generous in poorer counties and most generous for companies investing at least $500 million while creating at least 1,750 jobs.
The fact that Easter is late this year is definitely a bonus in wine terms. Although you can’t entirely rule out the possibility that it will be snowing next weekend, the ingredients in the shops – asparagus, salad greens, even strawberries – have emphatically moved on from winter to spring.
Even if you’re going for a classic Sunday roast, it’s time for lighter wines, even more so if you serve your chicken or lamb with yoghurt, as both Yotam and Tommi suggest this week. Personally, I’d go for cabernet franc from the Loire, which has a tart, almost stalky quality, like crushed mulberries, leaves, stalks and all. Yapp Brothers have two delicious ones: a saumur from Domaine Filliatreau and an exuberant, juicy, almost beaujolais-esque L’Arpenty Chinon 2018 (£14.75, 12.5%) from Francis and Françoise Desbourdes.
Eggs – both savoury and sweet – invariably feature in Easter plans. It will come as no surprise to those who follow this column that I advocate sparkling wine with the former (Waitrose has a 25%-off-six-bottles deal at the moment), but my latest discovery is that fruit-flavoured gins and gin liqueurs, which I don’t much like normally, are a terrific match for milk chocolate. I’m mildly obsessed with Sipsmith’s new Orange & Cacao Gin (£25 Sainsbury’s, 40%), which gets as near to a deconstructed Terry’s Chocolate Orange as you could wish for. And if that doesn’t float your boat, try the Bristol Distilling Co’s 77 Blush Grapefruit & Rose Liqueur (not as versatile, but, at around £16, cheaper, and insidiously moreish).
There’s much huffing and puffing about how tricky asparagus is to pair with wine, though I would largely ignore it. Most crisp whites, especially English ones such as Chapel Down’s Bacchus, work perfectly well with simply cooked spears – 2018 (remember last summer?) may well be the vintage that wins you round, particularly if the wine is the price of Aldi’s English White, made for the supermarket by the admirable Lyme Bay winery. I also like the asparagus-friendly and sauvignon-like La Bien Pinta Rueda 2017 (12.5%), which is in Lidl’s latest “wine tour” selection for just £5.99. Cool label, too.
Finally, there’s as much chance it will be warm enough for a barbecue next weekend, so you may as well lay in a few bottles of what seems to be everyone’s red of choice right now, malbec. Aldi has a rather jolly-looking Chilean one under the Quisco label for £6.99, while its Exquisite Collection Argentinian Malbec (13.5%) does the job for just £6.29.
Elderflower and crunchy green apple: one of the tastiest English wines I’ve had.
Fresh, crunchy organic red from the Loire. Serve lightly chilled.
Ripe, juicy, crowd-pleasing red. Perfect for a bank holiday barbecue.
If you like pink grapefruit, you’ll love this. Spot on with Easter eggs.
Restaurant Riki is the latest establishment to join a short but growing list of restaurants across the country that are doing away with gratuities.
Riki Hashizume, the owner of the Japanese-style pub in Midtown East, which is located on 141 East 45th Street, said in an interview that he had adopted the no-tip policy last month in accordance with Japanese custom, though he had been contemplating running a tip-less establishment, he added, for more than 10 years.
Mr. Hashizume’s restaurant is not the first one in the city to put an end to gratuities.
Last year, Sushi Yasuda, which is just a few blocks south of Restaurant Riki, adopted a no-tip policy.
In 2005, Per Se, the French restaurant located in the Time Warner Center, eliminated gratuities and started charging a flat service fee of 20 percent. But as the food critic and industry observer Ryan Sutton noted last year, Per Se—which recently received a C rating from the Department of Health—gives diners the option to tip more than the built-in fee. At Sushi Yasuda and Riki Restaurant, that isn’t an option.
“We just take tipping out of the equation,” Sushi Yasuda owner Scott Rosenberg told Mr. Sutton.
Mr. Hashizume declined to elaborate on salary specifics at his restaurant but said that his employees are paid by the hour or by the month. He added that he had raised the prices on the menu by about 15 percent.
Other restaurants around the country that have either adopted built-in service charges or stopped accepting tips altogether include Chez Panisse in Berkeley, Calif.; Alinea in Chicago; the Austin-based Black Star Co-Op; and the now-closed Linkery in San Diego.
Accra, April 30, GNA - HFC Bank Ghana Limited on Friday launched a new product: "Life Starter Account" specially designed for gainfully employed young graduates and professionals.
The Life Starter Account is a hybrid of savings and current account with a cheque in facility and an initial deposit.
Briefing Journalists in Accra, Mr Austin Aikhourin, Deputy Managing Director of the Bank, said with HFC Life Starter Account, the holder would have access to a wide range of banking facilities.
"These are lines of credit, which will be given out on a case by case basis; facilities for home appliances including arrangement with consumer goods retail outlets; vehicle loans; first home buyers loans and personal financial advisory services."
He said the account is aimed at providing liquidity when needed with the holder having easy access at any time.
Mr Aikhourin said the objective of focusing on young graduates was to help stem the brain drain syndrome where the youth move out of the country in search of jobs and higher salaries, "because they can easily find such facilities when they have a Life Starter Account with the HFC Bank."
Mrs Stephanie Baeta-Ansah, Managing Director of the Bank, said the Account was out to help push young people starting life and who needed a push as they faced the world.
FWC wildlife biologist checks the teeth of a large black bear brought to the rock Springs check station. As Florida's first bear hunt in more than four decades is underway, hunters are starting to arrive at check stations throughout Central Florida with their bears Saturday, October 24, 2015.
Bear hunting in Florida resumed again on Saturday, Oct. 24, 2015 after the state had prohibited it for years. State wildlife officials issued nearly 3,000 permits to hunters despite ongoing protests by some who say it is inhumane to shoot and kill bears.
Of course there's the cool name, the monkey and the local angle, but the bottom line is that Nimbus makes excellent brew. Really excellent. (We keep the fridge stocked with the pale ale: It's bitter and sharp and tastes great in the heat.) Nimbus makes ales and stouts and not lagers because of the nature of Tucson's water: You can read up on all this on the Nimbus Web site, but you'll need to try their various beers--once, twice, many times--to truly get it. Directions to the brewery and tap room are also online, but one of the best things about Nimbus is that three of their brews come in bottles, and the peculiarly attractive, simian-themed six-packs are easy to find in grocery stores around town. Beers, after all, are like dogs: Once you get attached to one, you want to take it home.
The prize is worth at least $5.7 million and potentially more depending on how long the winner is alive.
An unnamed Great Falls resident won the top $1,000 a day for life prize in the Montana Lottery’s Lucky for Life game, according to a press release.
The winning ticket was sold at the Holiday Stationstore on the Northwest Bypass in Great Falls.
The prize, which has not yet been claimed by the winner, is worth at least $5.7 million and potentially more depending on how long the winner is alive, the release states.
The odds of winning the prize are 1 in 30.8 million.
There is no cap on the amount a winner may win as long as they live and if a winner dies before 20 years after winning, a beneficiary can collect the $1,000 per day until 20 years after the date the winner claimed the prize, which totals the $5.7 million.
The winner may also choose to claim the $5.7 million in one lump sum, according to the release.
Huge fires swept through major buildings in central Bangkok on Wednesday as looting and arson gripped the Thai capital after a deadly army crackdown on anti-government protesters.
Plumes of black smoke billowed across the skyline in the aftermath of the military operation against the protesters’ fortified camp, which left at least five people dead and led the leaders of the “Red Shirt” movement to surrender.
The authorities said enraged protesters—some wearing black and carrying automatic weapons—went on the rampage and set fire to at least 15 buildings.
Military officials told Agence France-Presse (AFP) a helicopter had been dispatched to try to rescue at least 100 people trapped in the offices of the Channel 3 TV station after it was attacked and set on fire.
Blazes were also reported at Central World, one of South-east Asia’s largest shopping centres, the Stock Exchange of Thailand, a branch of an electricity company and a bank.
The government imposed an 8pm to 6am local time curfew on Bangkok in a bid to quell the eruption of violence, but the authorities admitted that parts of the capital were still outside their control.
“Tonight [Wednesday] will be another night of suffering,” said government spokesperson Panitan Wattanayagorn.
“The government calls on everyone who is carrying out attacks to stop that action because their leaders have already surrendered and agreed to enter into national reconciliation,” he said.
The unrest began when armoured vehicles backed by armed troops firing live rounds smashed through barricades erected around the Red Shirts’ sprawling base.
A tearful protest leader later announced on stage that the Reds would end their occupation of the upscale shopping and hotel district in the heart of the capital, where they have been camped for six weeks.
At least four top Reds later went to the police headquarters nearby to give themselves up. The government said earlier some others had already fled.
An Italian photographer was among those shot dead during the clashes at one end of the rally base, which stretched for several kilometres and had been fortified with barricades made with tyres, bamboo stakes and razor wire.
Four more people died and “many” were wounded, said a police spokesperson, Major General Piya Uthayo. The Police Hospital said 19 people were wounded, including several other foreign journalists.
An AFP photographer saw two protesters lying dead on the ground after being shot in the head when troops pushed into the encampment.
“I got shot from behind through the shoulder.
It’s just a flesh wound,” a reporter with Dutch national TV, Michel Maas, told AFP at the hospital.
Another journalist, a Canadian, and four soldiers were also badly wounded by grenade attacks inside the camp, AFP witnesses saw.
Piya said police had deployed about 1 000 rapid movement officers who were authorised to shoot on sight anyone looting, committing arson or inciting unrest, following several days of urban warfare in the capital.
The Red Shirts had defied a government deadline to leave by Monday. A military lockdown to seal off the site that was launched last Thursday had left more than 40 dead in six days of violence.
Several thousand protesters, including many women and children, were inside the rally base when the army moved in.
Some were openly crying and others put on face masks in fear of tear gas attacks. Their leaders later asked them to disperse and walk towards an area where the government had laid on buses to take them away.
Hundreds of army and police had advanced towards the protest zone in the pre-dawn hours, with trucks dropping off troops wearing balaclavas and carrying weapons and riot shields, while a helicopter circled overhead.
The Reds are campaigning for elections to replace the administration of Prime Minister Abhisit Vejjajiva, which they consider illegitimate because it came to power with the backing of the army in a 2008 parliamentary vote.
They are mostly supporters of fugitive ex-premier Thaksin Shinawatra, who was ousted in a 2006 coup. A controversial court ruling ejected his elected allies from power, paving the way for Abhisit’s government to be appointed.
New innovations in computational biology are changing the way researchers tackle cancer and diabetes. Can algorithms find drug treatments that human doctors can’t?
Computational biology–the application of coding, mathematical models, and large-scale data processing to biology–hasn’t turned into a huge buzz term the way that “big data” and the “Internet of things” have. But it will, very soon. The unheralded effort by hospitals, universities, pharmaceutical companies, governments, NGOs, and tech firms to marry biology to heavy-duty server power will change the way medicine works. In one of the most intriguing use cases to come out lately, two famous institutions are using big data to tackle a particularly difficult variety of brain cancer.
Last week, the New York Genome Center (NYGC) announced a new partnership with IBM. The Genome Center, a consortium of tech-forward area institutions like Memorial Sloan Kettering, Mount Sinai, Columbia University, and New York University, is using IBM Watson to find alternative treatments for glioblastoma, an aggressive form of brain cancer that kills 13,000 Americans annually. It’s a potentially heavyweight use for Watson, a $1 billion-plus investment for IBM, which has also been in the news for more fanciful pursuits like its time as a Jeopardy contestant and a customized recipe creator.
Given the size of its investment, an argument could be made that IBM is staking its future on Watson. That’s a theme we’ll return to later, but in the meantime, let’s look at how Watson is actually used to find cancer treatments.
Between 20 to 25 glioblastoma patients at the Genome Center’s member institutions will be selected for the Watson study; the patients are chosen by the member hospitals themselves. Each patient’s tumors will be sequenced at the Genome Center on Illumina servers running algorithms in the IBM SoftLayer cloud.
This is where the computational biology part of things comes in. Biopsies are conducted on patients, and both normal and cancer cells are sequenced by the Genome Center’s servers. The sequencing normally takes 10-12 days because of the intricacy of the task; regular cells have to be sequenced approximately 30 times and cancer cells 30-50 times. In the slow-but-groundbreaking process, algorithms developed through years of public and private sector research create perfect representations of the patients’ cells in bits and bytes.
In the next stage, which takes a few weeks, the raw sequences for healthy and cancerous cells are extrapolated and put through heuristic algorithms to figure out what healthy and cancerous cells look like in each patient. This information is used to create variant call files–raw info files used by the Genome Center’s software to store gene sequence variations. These files are what Watson uses to find novel cancer treatments.
Steve Harvey, an IBM executive, told Fast Company in a phone conversation that each variant file can contain between 20,000 to 1 million potential mutations. Among them is a “driver mutation” that primarily fuels the cancer, and “passenger mutations” that have much less effect. Watson combines findings from the Genome Center’s programs with automated queries of a massive medical text database to attempt to identify the driver mutation.

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